FOREWARD

It gives us immense pleasure to bring out the booklet named “SBI

for You” on Bank’s day for the benefit of our esteemed customers.

Our Bank has always been in the forefront in providing efficient

customer service tirelessly through various channels since last 212

years.

Banking industry is witnessing a paradigm shift. As a premier financial

institution of the country, SBI has been realigning its product bouquet

to cater to the fast changing needs and meet contemporary

expectations of the customers. It is a small attempt to apprise the

customers about our deposit, digital and services products. While an

ocean of information is available on the various sites, this booklet

shall act as a ready reference guide for our customers.

I deeply appreciate the excellent effort made by Team SBILD

Panchkula and LHO Officials for taking this initiative.

Wishing you all a delightful banking experience.

Rana Ashutosh Kumar Singh

Chief General Manager

Local Head Office

Chandigarh

1st July 2018

Contents

Glorious history of State Bank of India

Deposit Products

Saving Bank Plus

Pehla Kadam- Pehli Udaan

Sukanya Samriddhi Yojna

Public Provident Fund

Senior Citizen Savings Scheme-2004

SME Power Gain

SME Power Pack

Power jyoti

Power jyoti (Pre-Upload)

Power PoS

Surabhi

Services Products

YONO( You Only Need One)

Retail Internet Banking (SBI Anywhere)

CINB Anywhere-SARAL

CINB Anywhere- Corporate

Bharat QR

BHIM SBI Pay

Point of Sales (Pos)

SB Collect

e-Payment & FXOUT

Foreign Travel Card

e-Z Card

Cash Pick Up Facility

Lockers

SBI Exclusive

Banking Plus

Glorious History of State Bank of India

The roots of State Bank of India lie in the first decade of the 19th

century, when the Bank of Calcutta, later renamed the Bank of

Bengal, was established on 2nd June 1806. The Bank of Bengal was

one of three Presidency Banks, the other two being the Bank of

Bombay (incorporated on 15th April 1840) and the Bank of Madras

(incorporated on 1st July 1843). All three Presidency Banks were

incorporated as joint stock companies and were the result of royal

charters. These three Banks received the exclusive right to issue

paper currency till 1861 when, with the Paper Currency Act, the right

was taken over by the Government of India.

The Presidency Banks amalgamated on 27th January 1921, and the

re-organised banking entity took as its name Imperial Bank of India.

The Imperial Bank of India remained a joint stock company but

without Government participation.

Pursuant to the provisions of the State Bank of India Act of 1955, the

Reserve Bank of India, which is India's Central Bank, acquired a

controlling interest in the Imperial Bank of India. On 1st July 1955,

the Imperial Bank of India became the State Bank of India. In 2008,

the Government of India acquired the Reserve Bank of India's stake

in SBI.

State Bank of India has completed the historic and successful merger

of its five Associate Banks and Bhartiya Mahila Bank Ltd. with itself

on 1st April 2017.

As on 31st March 2018, we have 22,414 Branches, 59,541 ATMs and

6,09,789 POS to serve our more than 42 crores customers. We also

have 206 overseas offices in 35 countries. SBI is the only Indian Bank

to be featured in the “Fortune 500 Companies 2017” list.

Chandigarh Circle consists of four Northern States namely Punjab,

Haryana, Himachal Pradesh, J&K and one UT (Chandigarh). We have

been serving the customers through 2028 Branches/ CPCs and 4270

ATMs/ CDMs/ Recyclers in Chandigarh Circle.

Deposit Products

Saving Bank Plus

Saving Bank Plus Account is a Savings Bank Account linked to Multi Option Deposit Scheme (MODS), wherein surplus fund above a threshold limit from the Savings Bank Account is transferred automatically to Term Deposits opened in multiples of Rs. 1000.

Features SB Plus Account

Eligibility Any individual eligible to open Savings bank account.

Monthly Average Balance (MAB) requirement

Metro Urban Semi-Urban Rural

Rs. 3000/- Rs.3000/- Rs. 2000/- Rs.1000/-

The customer has to maintain MAB. The system does not break MOD to do so.

Mode of Operation

Singly, jointly, or with Either or Survivor, Former or Survivor, Anyone or Survivor, etc. facility.

Rate of Interest As applicable to Savings Bank Accounts.

Minimum threshold limit for transfer to MOD

Rs 35,000/-

Minimum amount of transfer to MOD

Rs10,000/- in multiples of Rs 1,000/- at one instance.

Choice of break open of TDRs

The customer has to specify whether’ First in First Out” or “Last in First out” principle should be applied for break opening of deposits. In absence of any mandate the “last in First out” principle will be applied.

Period of deposit 1-5 Years

Facilities offered All facilities offered to savings bank account holders.

Loan against MOD deposits

Available

Pehla Kadam – Pehli Udaan

Pehla Kadam and Pehli Udaan are complete bouquet of Banking

products that will not only help children learn the importance of

saving money but will also allow them to experiment with the

'buying power' of money. It will not just acquaint children with the

different channels of modern-day banking but also teach them the

nuances of personal finance. All these features come with 'per day

limits' to ensure that they spend the money wisely.

Features Pehla Kadam Pehli Udaan

Eligibility Minor of any age. Account will be opened jointly with the parent/guardian.

Minors above the age of 10 years and who can sign uniformly. Account will be opened in the sole name of the minor.

Monthly Average Balance (MAB) requirement

NIL

Maximum Balance Rs. 10 lakhs in the Account

Mode of Operation Jointly with the Parent/ Guardian or Singly by Parent/ Guardian

Singly operated

Internet Banking With Enquiry rights and limited transactions (Per day transaction limit of Rs. 5,000/-)

KYC Requirements As per RBI Guidelines

Cheque Book Personalised cheque book (10 leaves) will be issued in the name of minor under guardian.

Personalised cheque book (10 leaves) will be issued in the name of minor.

Photo ATM-cum-Debit Card

Child's photo embossed ATM-cum-Debit Card with withdrawal/POS limit of Rs. 5,000/-. Card will be issued in the name of

the minor and Guardian (Pehla Kadam) and in the name of minor (Pehli Udaan).

Auto sweep Auto sweep facility with a minimum threshold of Rs. 20,000/-. Sweep in multiple of Rs 1,000/- with a minimum of Rs. 10,000/-

Over Draft against Time Deposits for Parents/Guardians

Available Not available

Standing Instruction

One Standing Instruction for Recurring Deposit, free of charge.

PAI for Parent (Optional)

Personal Accident Insurance Cover (offered by SBI General) for the Parent (in case of Pehla Kadam account only).

Child Plan (Optional)

Smart Scholar (Market Linked) - Child Plan offered by SBI Life with inbuilt premium waiver benefit and loyalty additions to fulfil the child's dreams.

Sukanya Samriddhi Yojna

Sukanya Samriddhi Yojna has been introduced by Government of India on 02.12.2014 to promote the welfare of Girl Child.

Who can open the account

A natural/ legal guardian on behalf of a girl child aged up to 10 years

Maximum number of accounts

Up to two girls or three girls in case of twin girls (as second birth) or triplet girls in the first birth

Minimum and Maximum Amount of Deposit

Initial Minimum Deposit - Rs. 1000. Subsequent deposit - multiple of 100 with annual ceiling of Rs.1.50 lakhs in a financial year

Mode of Deposit Cash/ Transfer (including online transfer). Standing Instructions can be given at the Branch or online

Tenure of the Deposit 21 years from the date of account opening

Maximum period upto which deposit has to be made

15 years from the date of account opening.

Interest on Deposit As notified by the GOI, compounded annually with option for monthly interest pay-outs; to be calculated on balance in completed thousands. Prevailing Rate of interest 8.10% p.a.

Tax Rebate As applicable u/s 80C of the IT Act, 1961

Premature Closure Allowed in the event of death of the child/ guardian or in case medical exigencies

Irregular Payment/ Revival of account

By payment of penalty of Rs.50 per year along with the minimum subscription per year

Withdrawal 50% of the balance lying in the account as at the end of previous financial year for

the purpose of higher education, marriage after attaining the age of 18 years or matriculation, whichever is earlier.

Public Provident Fund

The Scheme offers an investment avenue with decent returns coupled

with income tax benefits.

Eligibility Individuals in their own name as well as on behalf of a minor can open the account at any Branch

Minimum and Maximum Amount

Minimum - Rs.500.00; Maximum – Rs. 1.50 lakhs. The amount can be deposited in lump sum or in a maximum of 12 installments per financial year

Tenure 15 financial years. Thereafter, it can be extended for 1 or more blocks of 5 years each

Rate of Interest It is determined by Central Govt. on quarterly basis (presently 7.6% per annum). It is calculated on minimum balance between 5th day and end of the month and is paid on 31st March every year.

Loans and

Withdrawals

Permitted, depending upon the age of the

account and balances as on the specified

dates.

Tax Benefits Income Tax benefits are available under Sec

80C of IT Act

Nomination Nomination facility is available in the name of one or more persons. The shares of nominees may also be defined

Transfer of Accounts

The account can be transferred to other

branches/ other banks or Post Offices and vice

versa upon request by the subscriber. The

service is free of charges.

Premature Payment

Premature payment is allowed only after the

account or the account of the minor account

holder of whom he/she is the guardian has

Deposits Products

completed five financial years,

where :

a) The amount is required for the treatment of

serious ailments or life threatening diseases of

the Account holder, spouse or dependent

children or parents, on production of

supporting documents from competent

medical authority;

b) That the amount is required for higher

education of the account holder or the minor

account holder, on production of documents

and fee bills in confirmation of admission in a

recognized institute of higher education in

India & abroad.

Senior Citizen Savings Scheme 2004

Any individual can open an account with an initial deposit in multiples of Rs 1000/-, along with age proof. A depositor may operate more than one account subject to the condition that deposits in all accounts taken together shall not exceed the maximum limit of Rs.15 lakhs and

provided that deposits by depositors shall be restricted to the retirement benefits or Rupees Fifteen lakhs whichever is lower. A depositor may open the account individually or jointly with spouse.

Eligibility An individual who has attained the age of 60 years and above on the date of account opening

Who has attained the age of 55 years or more but less than 60 years and who has retired on superannuation or otherwise on the date of opening an account.

The retired personnel of Defence Services (excluding civilian Defence employees) above 50 years of age subject to fulfilment of other specified conditions.

Tenure Initially for 5 years. The depositor may extend the account for a further period of three years (only once) after the maturity.

Premature closure of Account

No Pre-Mature payment before one year. In case the account is closed after the expiry of

one year but before the expiry of two years from the date of opening of the account, an amount equal to one and half percent of the deposit shall be deducted and the balance paid to the depositor.

In case the account is closed on or after the expiry of two years from the date of opening of the account, an amount equal to one percent of the deposit shall be deducted and balance paid to the depositor.

Interest Rate

Prevailing Rate 8.30% p.a.

Initial Investment is exempted under Section 80C of IT Act.

SME Power Gain

At Account Maintaining Branch

Cash Deposit

Free up to Rs. 15 lacs per month. Above that Rs. 30/- per 100 notes of same denomination. Loose notes - Rs. 0.50 per note, if in parts, minimum Rs 50/-.

Drafts/Bankers' cheques Rs. 1.00/1000; [Min-Rs.25; Max-Rs 5000]

Outstation Cheque Collection

50% of normal charges

NEFT and RTGS Free

At Other Branch

Deposit of cash 50% of normal charges

CINB & Standing Instructions

Free

Cheque Book Issue Free 200 cheque leaves Per month. Thereafter, Rs. 2/- per cheque leaf.

SME Power Pack

At Account Maintaining Branch

Cash Deposit

Free up to Rs. 60 lacs or 12 times of last quarter average balance, whichever is higher, per month. Thereafter @ Rs. 2/1000.

Drafts/Banker's cheques Free

Outstation Cheque Collection

25% of normal charges

NEFT and RTGS Free

At Other Branch

Deposit of cash Free (Maximum 2 Lacs per day )

CINB & Standing Instructions

Free

Cheque Book Issue 1000 cheque leaves free per month. Thereafter, Rs. 2/- per cheque leaf.

Power Jyoti A remitter can send fund under the scheme without having an account with SBI

Facility Offered Collection of funds from all branches of SBI to Power Jyoti Current Account with MIS.

Users Educational Institutions/other bodies for fee/fund collection. Collection of donation as well.

Scope Transactions permitted in cash transfer and clearing.

Monthly Average Balance (MAB)

Rs. 50,000/-

MIS Complete details of collection available through periodic statement/corporate internet banking.

CINB Free

Cash handling

charges Nil

Remittance charges

Rs 60/-+GST as applicable

Power Jyoti (Pre-Upload) Institutions/other entities for fee/fund collection, collection of donation bodies for fee/fund collection. Collection of donation as well.

Facility Offered Collection of funds through pre-upload of tailor made MIS data which will only be validated at collecting branches.

USP Error in data inputting at various collecting branches resulting in reconciliation issues

are completely ruled out.

MIS Customized MIS available.

Scope Transactions permitted in cash transfer and clearing.

Monthly Average Balance (MAB)

Rs. 50,000/-

CINB Free

Power PoS

Customers who avail our Point of Sales (PoS) terminals are eligible to open Power PoS Current Accounts. This Current Account is a zero balance account which offers various facilities. The account may be opened with zero balance, but the MAB would be Rs. 1000/-. For more details contact your nearest branch.

Cash deposit in home branch

Free up to Rs. 15 lacs per month. For >Rs. 15 Lakhs Cash handling charges, as applicable.

Banker’s Cheques/Demand Drafts/IOI

At par

Cash Deposit at non-home Branch

Rs.2.00 lacs per day with the Branch Manager vested with the discretion to accept higher amount

SME Insta Debit Card, CINB/RINB, ATM/SME Debit Card

To be offered by the branch at the time of opening of the account

Overdraft Available

Surabhi

Purpose To sweep and reverse sweep into/from Term Deposit in Current Account/Savings Bank Account

Period of Term Deposit

Minimum 12 months, Maximum 36 months

Minimum Deposit to be maintained

Current Account Rs 10,000/-

Amount of sweep Multiple of Rs 1000/- above threshold limit

Reverse sweep

Last in First Out in case of inadequate balance in current Account / savings account - Term Deposit broken will be paid interest with premature withdrawal rule.

Rate of Term Deposit As applicable to term deposit

Loan facility No overdraft facility

Availability At all branches

Services Products

YONO (You Only Need One)

YONO Digital Savings Account

YONO Insta Savings Account

Adhaar Based Account

opening

Paperless account opening.

Single branch visit

required.

Personalized Platinum Debit

Card.

No minimum balance

charges till 31st March

2019.

Free Personal accidental

insurance cover

Adhaar Based Account

opening

OTP based e-KYC - For new

customers having no existing

relationship with SBI.

Paperless account opening.

No branch visit required -

Instant account activation.

Free Rupay debit card

No Minimum balance charges

till 31st March 2019

Aggregate balance up Rs 1.00

Lakh

Anuual transaction up to Rs

2.00 Lakhs

Signature-less account: No

Cheque Book and signature

based services.

Retail Internet Banking (SBI Anywhere)

State Bank Anywhere - Personal is State Bank of India’s Retail Internet Banking (RINB) application offered on Mobile. It can be accessed using INB credentials. This application contains majority of important functionalities and features that are provided on INB platform.

Features Account Information, Mini Statement, Statement of Account, Enquiry Services, Top up/Recharge of Mobile & DTH, Debit Card Hot-listing, Cheque Book Request, Aadhar and LPG Seeding, Pay with Bill, Pay without Bill, Scheduling of Bill Payment, Post-paid Bill Payment (Mobile / Landline), Nomination, 15G/15H, Standing Instructions

Platforms available

Android, iOS, Windows and Blackberry

Safety instructions

Do not share your User ID/Password, Profile Password, One Time Password (OTP) sent through SMS etc., to anyone or leave any such information anywhere. Download the State Bank Anywhere App from App Store.

Fund Transfer To Self, Inter and Intra Bank Accounts, NEFT IMPS - Person 2 Person (P2P), Person 2 Account (P2A), mCash-Transfer funds to other accounts using account number and mobile number or email ID to any bank RTGS Funds transfer; Credit Card (Visa) Transfer Quick Transfer - Fund transfer instantly without adding beneficiary by scanning receiver's QR code; Transaction Status Enquiry, FD /RD Open Fixed Deposit <Rs. 1 Cr. Open Recurring Deposit.

CINB Anywhere Saral

This is a simplified, single user friendly and simple transactional product ideally suited for sole proprietorship concerns, micro enterprises or individual businessmen who require online transactions facility in their business accounts. The product provides transaction rights to the user involving transfer of funds to own or third party accounts. Both intra and inter-bank transactions are supported.

Features

Show case overview of 3 account variants (Transactions / Deposits / Loan)

Detail account information Mini statement, Funds Transfer (Own A/c),

Intra-Bank (Within SBI) Transfer, Inter-Bank Transfer (NEFT)

Pay EPF, Pay Supplier, Fixed Deposit

Bill payment

Top up and recharge

With Bill, Without bill, View Biller, Scheduled bills

Mobile top-up, DTH recharge, Transaction enquiry

Platforms available

Android, iOS, Windows and Blackberry

Safety instructions

Do not share your User ID/Password, Profile Password, One Time Password (OTP) sent through SMS, etc., to anyone or leave any such information anywhere.

CINB Anywhere Corporate

State Bank Anywhere Corporate' is the CINB facility offered on Mobile for Khata plus, Vypaar & Vistaar users. Corporate users are able to make payments as per the access right and limits set by the corporate.

Features Khata Plus

Vyapar Vistaar

My Account

Account summary

Search by account

Favorite account

Initiate

Payments

Fund transfer to

own account

X

Fund Transfer to other SBI account

X

NEFT X

EPF Payment X

Supplier Payment X

Bill Payment X

Fixed Deposit X

Authorize Authorise e-Cheque

X

Authorise e-TDR/e-STDR

X

Cancle e-Cheque X

Enquiry Quesry by e-Ceque

X

Query by e-TDR/e-STDR

X

Bharat QR

State Bank Bharat QR Merchant Application offers a simple and reliable way to receive payments by the Merchant. This allows the merchant to : Provide hassle-free and quick payment experience to customer. Receive payments by displaying static QR code or dynamic QR

code Merchant need to login to the application with valid credentials

(User ID and Password). Use ‘Generate Static or Dynamic QR Code’ option to generate QR

code. This QR code is scanned by the customer in the State Bank

Anywhere Application and the payment is processed. Merchant receives payment confirmation as notification in the

Bharat QR Merchant App.

BHIM SBI Pay

BHIM-Aadhaar-SBI is a digital payment acceptance solution from State Bank of India which enables the SBI merchant to accept payments for goods/services using his android smartphone and fingerprint reader from customers having Aadhaar seeded bank accounts. The transaction will be inter-operable in nature allowing any bank customer to transact on BHIM-Aadhaar-SBI. The registration process is fully automated and app based for the individual merchants. The merchant needs to download BHIMAadhaar- SBI / SBI Aadhaar Pay from the Google Play store and register himself using his Aadhaar number and biometric credentials. During the registration process the merchant is asked to select his account maintained with SBI where he wants the payments to be credited. In addition, the merchant is also asked to agree to the terms and conditions for using the app which are displayed on the mobile itself. Merchant Requirements: Aadhaar seeded account with SBI. Certified Biometric Reader with Micro USB / USB C-Type

connector. Android smartphone with Android version 4.2 or higher with

internet connectivity and OTG support for connecting biometric device.

Phone should be able to power the biometric reader; please check with supplier

Merchant Complaints: In case the funds are not received for a successful transaction. The merchant needs to contact SBI helpdesk 1800112211 to lodge a complaint for non-receipt of funds

Point of Sales (PoS)

Point of Sale terminals enable safe and hassle-free card payments

Features

PSTN/GPRS Network Additional Convenience Point to the card

holder No additional/ hidden charges Loyalty Rewards for Customers

No cash handling by merchants and branches

Types of

Terminals

PSTN - Gets connectivity through Land Line Desktop GPRS - Gets connectivity through

the secure GPRS SIMs provided by Bank. Terminals get power from the normal

electricity supply. Portable GPRS - Gets connectivity through

the secure GPRS SIMs provided by Bank. Terminals get power from the inbuilt battery.

Cash@PoS (Chhota ATM)

It enables the cardholder to avail cash withdrawal facility in addition to purchase of goods at their nearby merchant shop having SBI PoS using their debit cards up to a limit of Rs. 1000/- per card per day for Metro and Urban centres and Rs. 2000/- per card per day for Semi-urban and Rural centres.

SB Collect

'State Bank Collect' facilitates Corporate Internet Banking (CINB) customers to receive online payments from receivers of their goods & services. CINB customers need not maintain a website. Payer of the Corporate has to just click on 'State Bank Collect' and choose the Corporate for which payment has to be made, fill up particulars of goods/services towards which payment has to be made and make the payment through one of the several options displayed to him on a Multiple Option Payment System (MOPS) page. The corporate customer will get MIS Report of the account.

Mode of payment options available

SBI Internet Banking Other Banks' Internet Banking SBI ATM cum Debit Card Other Banks' ATM cum Debit Card All Banks' Credit card Off-line Collection at SBI Branch through SBI

Cheque/cash UPI/ NEFT/ RTGS For more details, visit: www.onlinesbi.com

How to avail this facility

The Corporate customers desirous of availing the 'State Bank Collect' facility should be registered for CINB with Khata plus/ Vyapaar/ Vistaar facility. In post-login, the CINB administrator has to go to State Bank Collect page and configure page for State Bank Collect for their Corporate/Institution which will be subsequently approved by the Bank.

Safety instructions

Do not share your User ID/Password, Profile Password, One Time Password (OTP) sent through SMS, etc., to anyone or leave any such information anywhere.

e-Payment

Facility Payment of salary, vendors, miscellaneous by way of RTGS/ NEFT/ SBI to SBI on CMP Portal

Security Concept of Maker and Checker. The CMP Portal is secured by 128 bit SSL encryption and very-sign certified.

MIS Reverse MIS giving status of transaction, reference No/ UTR for reconciliation and record keeping.

Data Sharing Both manual and Enterprise Resource Planning Compatible mode available including Host to Host integration.

Others

Scheduling of payments can be done. Master database of beneficiaries could be

maintained. Transactions with different modes of

payment can be included into single file. Automatic credit of rejected entries in debit

account.

Fx OUT

In order to facilitate outward remittances of foreign exchange for

personal SEGMENT customers through a centralized platform, in

a hassle free manner, we offer “FXOUT” facility.

Salient

Features

Available for retail remittances only

Available to SBI account holders only

Max remittance limited to amount

equivalent to INR 10 lacs

Available across all the branches.

Available for 97 currencies.

Foreign Travel Card

State Bank Foreign Travel Card, is a Chip based, prepaid Foreign Currency card that makes your foreign trip trouble-free and convenient. It offers a convenient and secure way to carry cash anywhere in the world (valid worldwide except in India, Nepal and Bhutan). State Bank Foreign Travel Card is available in eight Foreign Currencies viz. USD, GBP, EUR, CAD, AUD, YEN, SAR and SGD.

Eligibility Any bonafide citizen of India Foreign Nationals residing in India, subject to

completion of KYC norms.

Features Minimum amount of load/Re-load: USD 200/GBP 120/Euros 150/CAD 200/AUD 200/ YEN 15,800/SAR 750/SGD 250.

Maximum amount: Equivalent to USD 2,50,000.00 or equivalent per financial year for Education/ Employment/ Medical/ Business Trip/ Tourism/ Pilgrimage.

Competitive exchange rates. Reloadable any number of times up to the

statutory ceiling

Free balance enquiry at State Bank ATMs in India or through www.prepaid.onlinesbi.com

Balance enquiry at VISA ATMs overseas Two Add-on cards can be given A 24 x 7 call centre to provide information and

hot-listing (block) the card, in case of loss / misplacement.

The Card can be used for online transaction. e-commerce sites allowing transaction without validating VBV (Verified by VISA) and CCV2 (Credit Card Verification) will be rejected by the bank.

e-Z Card

The State Bank eZ-Pay Card, a Reloadable, Prepaid Card issued in INR, is an ideal product for making payment of salaries & other periodical payments to employees. Cards can be loaded from a single point and the funds are available to the employees immediately.

Minimum/ Maximum

Rs. 500 and thereafter in multiples of Re. 1/-, however the balance in the Card should not exceed Rs. 50,000/- at any point of time.

Usage

State Bank eZ-Pay Card is usable at all State Bank ATMs, at VISA enabled Merchant Establishments at PoS and for Online Payments.

Balance enquiry

Cardholder can view from any State Bank ATM in India free of cost and also online at https://prepaid.onlinesbi.com

Validity of Card 10 years from the date of issue.

Daily Transaction Limit

From State Bank ATMs: Rs.100/-,Rs.40,000/- & From PoS Transaction limit: Rs. 50,000/-

Personalized Cards

The Card can also be personalized, upon request by the Corporates for Bulk Issue.

Documents Required

Individuals

Can be issued to individuals after taking full KYC documents. These individual Cards can be loaded/ reloaded by debit to third party accounts of Corporates/ customers.

Corporates Cards can be issued to employees/

beneficiaries of listed company only. Corporates have to submit KYC documents of beneficiaries before loading/activating the Cards for use.

Cash Pick Up Facility

Facility Cash could be picked up at the customer’s door by the bank’s empanelled service provider for deposit in the branch.

Security

Host of security features from identity of the cash picker, the bag and its sealing, transit insurance to intact delivery at the branch for deposit are ensured.

Facility Cash could be picked up at the customer's door by the bank's empanelled service provider for deposit in the branch.

Mode of transport Based on the amount of cash pick up, 2 wheeler/ 3 wheeler/4 wheeler is used.

Type of Pick up Cash pick up could be arranged both on monthly basis and call basis.

MIS It is available for single as well as multi location deposit of cash

Mid day credit Cash deposited upto prearranged time could be subsequently credited in the account on the same day.

Lockers

For the safety of valuables, we offer safe deposit locker facility at a large number of our branches at nominal annual rent.

Most Important Terms & Conditions Annual rental is payable in advance. Rental depends on the size of the lockers and location of the

branch viz metro/urban or semi-urban/rural. KYC norms are applicable for locker hirers. Lockers cannot be allotted to minors either singly or jointly with

others. Status of vacant lockers can be accessed through INB In case of locker remains un-operational for more than one year,

the branch has the right to cancel the allotment of the locker and open the locker even if the rent is paid regularly.

Size Type Charges Size A:125 x 175 x 492

SMALL MEUR:1500+GST RUSU: 1000+GST Size B:159 x 210 x 492

Size:C:125X352X492

MEDIUM MEUR:3000+GST RUSU: 2000+GST

Size:D:189X263X492

Size:E:159x423x492

Size H1:325X210X492

Size:F:278X352X492

LARGE MEUR: 6000+GST RUSU: 5000+GST

Size:G:189X529X492

Size:H:325x423x492

Size L:404X529X492 EXTRA LARGE

MEUR: 9000+GST RUSU: 7000+GST Size:L1:385X529X492

One Time Locker Registration Charges to be recovered Small/ Medium: 500+ST Large/Extra Large: 1000+ST

SBI Exclusif

An array of benefits from SBI Exclusif available exclusively to you.

A dedicated Relationship Manager (RM) backed by a team of

experts, with your best interest at heart.

An elaborate spread of rewarding products and services including

an all-new enhanced savings account, lifestyle privileges including

an exclusive health card, loan approvals on priority, lucrative

investment options as well as expert legacy & taxation planning

services

Best in class financial products across all asset classes crafted to

suit your immediate & long-term financial needs

A first ever ‘e-Wealth Centre’ that enables transactions and

provides holistic view of your investment at your fingertips via

Call/ Video Call/ Chat through a single point-of-contact, besides

an enhanced internet and mobile banking platform.

Category-1

Total relationship value (TRV) – Deposits and Investments TRV of more than Rs. 30.00 Lakhs across total

deposits (Excluding Govt Deposit Schemes) Investment Products including mutual funds

and demat (through SBI only)

Category-2

High potential customers Net Salary Credits > Rs. 2.00 lakhs/ month Home Loans Sanctioned > Rs. 1.00 Crores

Banking Plus

SBI Life Insurance Company Ltd.

Products offered

Saving Plans Wealth Creation with Insurance Plans Women and Child Plans Protection Plans Retirement Plans Money Back Plans Term Insurance Plans

Help Line Number 1800-22-9090

Website www.sbilife.co.in

SBI General Insurance Company Ltd.

Products offered

Motor Insurance Health Insurance Travel Insurance Home Insurance

Personal Accidental Insurance

Help Line Number 1800-102-1111; 1800-22-1111

Website www.sbigeneral.in

SBI Funds Management Private Ltd.

Products offered

Debt and Equity Mutual Funds Schemes Balanced Fund Schemes Liquid Fund Schemes Equity Linked Saving Schemes Diversified Fund/ GILT Fund/ Index Fund Dynamic Fund

Help Line Number 1800-209-3333

Website www.sbimf.com

SBI Cap Securities

Products offered Demat Account Trading Account

Help Line Number 1800-209-9345

Website www.sbismart.com

SBI Cards and Payments Services Pvt Ltd.

Products offered Credit Card

Help Line Number 1800-180-1290

Website www.sbicard.com

Feedback

Customer’s feedback is the corner stone for the improvement. We

deeply value customer’s feedback to help us to innovate and improve

our offerings. We invite our esteemed customers to provide their

valuable suggestions/ feed back to us.

Please contact us on 0172-4567191/ 7193 or send your valuable

suggestions at agmcustomer.lhocha@sbi.co.in

We Care For You

Contact Centre Numbers : 1800-11-2211; 1800-425-3800

080-26599990

www.cms.onlinesbi.com

Disclaimer: We have taken due care to provide you with accurate information however there

may be some errors or omissions, we request valuable feedback from the users for further

enrichment of the booklet to bring an improved version thereafter.

Proud and Privileged to serve our customers at 14300 feet above sea level

TANGTSE Branch is situated in Ladakh (J &K)